The BMO Eclipse Rise Visa Card is built specifically for Canadians who want to strengthen their credit profile without sacrificing the convenience and perks that come with a modern rewards card. Whether you’re new to credit, rebuilding after setbacks or seeking a supportive tool for financial growth, this card offers a mix of accessibility, control and earning potential.
With rewards on categories like transportation, dining, groceries and online purchases—as well as access to BMO’s powerful mobile app—the Eclipse Rise Visa helps you develop responsible credit habits while still benefiting from cashback-like rewards and everyday usability. It’s a strong choice for those who want structure, transparency and the ability to track progress over time.
Key Benefits of the BMO Eclipse Rise Visa Card
1. Designed to help build or rebuild credit
The card is tailored for Canadians who need a flexible, supportive way to establish or repair their credit history through responsible usage and timely payments.
2. Earn rewards on everyday essentials
You earn points on categories most Canadians use daily—such as groceries, dining, transportation and online shopping—making it easy to collect meaningful rewards naturally.
3. No annual fee
The card provides access to rewards, mobile banking tools and credit-building benefits without an annual charge, keeping costs low while you build your financial foundation.
4. Strong mobile and online banking features
The BMO app allows you to track spending, set alerts, manage payments and view points in real time, giving you a clear sense of your financial progress.
5. Flexible redemption options
Points earned can be redeemed for travel, merchandise, gift cards or statement credits, giving you freedom to choose how your rewards benefit you.
6. Zero Liability fraud protection
You’re protected against unauthorised purchases, ensuring confidence in both online and in-store transactions.
7. Ideal for everyday transactions
From public transit to shopping, bills and dining, the card adapts easily to daily routines and helps reinforce healthy financial habits.
8. Possibility of credit limit increases
As your financial situation improves and you demonstrate responsible card usage, you may be eligible for credit limit increases that further enhance your creditworthiness.
9. Contactless and digital wallet compatibility
Enjoy fast, secure payments using tap-to-pay or digital wallet options such as Apple Pay and Google Wallet.
10. Practical budgeting support
Clear statements and spending categorisation help you stay on track and understand exactly where your money goes each month.
11. Backed by BMO’s reliable customer service
Cardholders have access to BMO’s strong support network, offering guidance for everything from payments to fraud concerns.
Who Can Apply?
Typical eligibility requirements include:
- Being a Canadian resident
- Meeting the age of majority in your province or territory
- Providing proof of income
- Having limited or recovering credit history
- Passing BMO’s credit and affordability checks
It is especially suitable for newcomers, students, young adults and individuals rebuilding their financial footing.
How to Apply
- Visit the BMO Eclipse Rise Visa Card page.
- Review features, benefits and eligibility guidelines.
- Click “Apply Now” to begin the secure online application.
- Provide your personal details, income information and financial background.
- Submit any documentation requested for verification.
- Once approved, activate your card and register for BMO Online Banking or the BMO Mobile App.
Frequently Asked Questions
1. Does the card have an annual fee?
No. The BMO Eclipse Rise Visa Card charges no annual fee.
2. Can this card help me build credit?
Yes. Consistent on-time payments can improve your credit score over time.
3. What rewards does the card offer?
You earn points on dining, groceries, transportation, online purchases and more.
4. How can points be redeemed?
Points can be used for travel, merchandise, gift cards or statement credits.
5. Is it safe for online shopping?
Yes. Zero Liability protection and real-time monitoring help safeguard digital transactions.
6. Can I use the card with mobile wallets?
Yes. It supports Apple Pay, Google Wallet and other contactless payment options.
